If you know me personally, you know how much I LOVE to travel. I seriously love it.
I am making my travel plans to go see my husband graduate from basic. I have already scheduled my hotel and plane...but I am discovering that renting a car if you are under 25 yrs old is a pain in the ass.
Sure, there are several companies out there that with a minimum age of 21 or older. In fact, MOST of them do have that age requirement. However, even if you are above the age requirement of 21, if you are under 25 there are all kinds of hoops to jump through.
According to most companies, if you are under 25 you have to have a MAJOR credit card. No, not a debit card, a credit card. Trust me- I checked.
So, I'm 22 yrs old and have responsibly made it a priority to stay away from credit card debt. Too many of my friends are up to their eyes in debt already and I just don't like that. So, with that being said...it is now being detrimental to my travel plans.
Each rental car company has its own policies,
For example, I did find one company that would allow me to rent a car being 22 yrs old AND use a DEBIT card, however they wanted to put a $500 hold on my card for "possible unexpected extra fees" which in reality translates to: "As a young driver you are too much of a liability and we will charge you heavily to cover anything you might F up." More than one company I checked wanted to put an outrageous hold/deposit if using a debit card. Moving on...
Another company would allow me to rent with my debit card, but when I went to schedule the rental, they wanted to charge me over $1100.00 to rent the car. That is OUTRAGEOUS compared to every other company, where for the same number of days I can rent a car for $300-$400. Thats a big difference.
Another company told me that they would let me rent with my debit card, but that when I arrived to the airport and I walked up to the counter to get the car, they would run a credit check on me...and if the credit check came back below their standards, I would be stuck there with no rental.I don't feel comfortable taking that chance. I don't have bad credit. In fact, I don't have one single bad mark on my credit. HOWEVER, I'm 22 so I don't have A LOT of credit. I'm still working on getting established. Their solution? "Go to your local branch and schedule a 1 day rental, and have them run the credit check... then you will know if you are renter eligible." Ehhh, no thanks.
One company told me FLAT OUT that if you are below 25- debit cards were not accepted. Period. No outrageous deposit or hold or a credit check. Plain and simple if you were under 25 your options were either provide a major credit card, or you don't get a car.
So, when faced with this dilemma I took the easiest solution.
I got a credit card.
Problem Solved.